Date Received: 2023-10-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/2023, Citi handed over the respective account to a debt collection agency yet continue to report the account as being delinquent. Remove the respective Citi account from my personal consumer report immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07039
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I joined Citi Bank and started my direct deposit for my XXXX XXXX checking and within the first day my account was blocked twice. My card was turned off multiple times and my XXXX was also blocked. I called about my online access being restricted and the bank continued to state that it was a security measure that my account was being restricted. Now this is the seventh time that my account has been restricted and I have tried to use my debit card only to learn it was restricted yet again for fraud with out any knowledge or messages for a reason. This bank is HORRIBLE for consumers and should not be allowed to do this to people because it should not be this hard to access your money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06112
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Citi XXXX XXXX XXXX : XXXX. This is XXXX XXXX and I opened a Citi Checking and Savings Account on XXXX of XXXX tried adding Funds on XXXX of XXXX Via XXXX {$5000.00} and {$25.00} ACH total {$5000.00} as my balance was {$0.00} so i can start using my account. And on the same day I initiated a credit card payment from XXXX credit card on the XXXX of XXXX and later on that day i could not access my online account. So I called Citi Bank to inquire and I was told that Citi is closing my account with no further explanation given. This has resulted in a return check for my credit card payment and resulted in a negative impression.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: At first my account went negative and I asked Citibank why am I negative they said franchise tax board put a lien and took the money. I called franchise and they said it was not them. After so much back and forth with the fraud company it ended up being a forced transaction from XXXXXXXX XXXX car. My car was a total loss my insurance company paid XXXX XXXX car for me. A month later Citibank charged my account and left me in the negative. I filed a claim it was denied so my account has been negative since. I am XXXX XXXX XXXX and was on XXXX and was not getting any money and explained that to them. I got a call, email said I have to bring the account current before 15 days before it is closed. I paid brought the account negative within the 15 days and they said they cant stop the account closure. For one they are my bank they should support me and I faxed an appeal and the receipt form XXXX that they paid my rental for XXXX and I didnt get a response from Citibank . I went to branch and manager XXXX said she cant help me to keep my account open that it is up to back office. Why did they send me a letter to pay to bring current to prevent closure but now that it is current there is nothing they can do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89128
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: According to the federal credit bureau This creditor XXXX and Citi bank visa credit card have violated my right. In accordance to 15 US 1681 C and 1681 R and 1681 m states that creditor arent allowed to report late payments on credit report unless I give consent to, which I do not give consent to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43110
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I opened a Best Buy account XX/XX/XXXX, the credit card was issued by XXXX, Citibank. After filing for a divorce in XXXX I was unable to continue making payments, my last payment was XX/XX/XXXX. Shortly after this Citibank reported my account CLOSED, yet then reported to XXXX that I was late 73 months. However, Citibank then reported to XXXX that I made a payment in XX/XX/XXXX ( which is absolutely not true ). This is their attempted to keep reporting this CLOSED account beyond the legally allowed time of 7 years. I have made repeated attempts to contact Citibank and the only reponse I got was a form letter stating they could not identify me. The outstanding amount is {$650.00} and it has been since XXXX of XXXX. I don't understand how they could continue to report the account late when by their own reporting it has been closed since XXXX. I have worked extremely hard to restore my credit after a horrible divorce and have almost perfect payment history since that time, Citibank is absolutely impossible to contact and I can't get them to obey the fair credit reporting laws.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77375
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: Checking acct XXXX came with certain perks including something called a Subscription Rebate program, which I was only able to use once because Citi could not get it working for me until many monts after I opened my account. I closed the acct but this program is still open and I get constant harassing emails about using my funds for it. I have called over and over and emailed many times but all requests are IGNORED. I have an acct XXXX : XXXX XXXX XXXX XXXX XXXX but he is USELESS and also ignores me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02889
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Complain To : Head of Customer Care, CitiBank.co.in ( XXXX XXXX Savings Account ), XXXX Complaint From : XXXX XXXX Address : XXXX XXXX, XXXX SUBJECT : Deposit ISSUE -- XXXX ACCT Worst Service!! US earned Money wrongfully put into XXXX acct, No Response on Complaint from 3 months Acct Details : XXXX XXXX Accounts Savings XXXX XXXX Savings XXXX XXXXXXXX I have a XXXX XXXX XXXX XXXX XXXX accounts with CiTi that were open on XX/XX/XXXX. On XX/XX/XXXX, I moved the amount that was matured in a fixed deposit ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) to XXXX account. Originally this money was transacted from a US bank XXXX XXXX XXXX XXXXXXXX ) account to XXXX XXXX XXXX. When I checked the acct in XXXX, to my shock I saw that money was moved to XXXX acct instead of moving it to XXXX I am a US citizen, and I dont have any assets in XXXX XXXX This money was moved to my XXXX acct. from my XXXX XXXX XXXXXXXX account in US from my earnings in US. Since I opened the acct, I have been receiving 1099 form that I been filing taxes in US. ( See attached 1099s from XXXX as example ) I have no income in XXXX and how in the world you moved my US originated money in a XXXX account and now Taxing me on that. THIS IS COMPLETELY A FRAUD. Without my permission you moved money to the XXXX acct. As soon as I noticed this mistake, have tried calling 3 times in last 40 days and a Citi Phone Officer ( Complaint # : XXXX ) first suggested that I file Repatriation request. When I objected repeatedly that this money is not earned in XXXX and I have 1099s to prove it, they promised me to connect with some special officers in CITI but they never returned my call. I am filing a complaint with Attorney General in US and with XXXX. CC : XXXX CC : CFPB Consumer Financial protection Bureau, USA XXXX : XXXX Attachments : XXXX ) XXXX Statements for both XXXX & XXXX Acct 2 ) 1099 from Citi XXXX
Company Response:
State: MO
Zip: 63021
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: 1. XX/XX/23 I attempted to book a {$320.00} stay at XXXX XXXX XXXX XXXX, UT for XXXX XXXX XXXX on Citi XXXX , using a Citi Custom Cash Card ending in XXXX. 2. The page did not load. I immediately received an email from Citibank saying the charge wasnt processed due to " incorrect card information '' which made me believe that the transaction was declined. 3. I closed the Citi XXXX page and made a different booking using a Citi Premium Card ending in XXXX at the same hotel for the same dates. This booking was successful ( {$290.00}, Booking ID XXXX ). 4. On Citi XXXX portal, I discovered that the {$320.00} transaction that Citibank said they had issues processing went through and resulted in Booking ID XXXX. 5. XXXX I reached out to Citi XXXX to request cancellation/refund of Booking ID XXXX. Citi XXXX said the hotel needed to submit the request on the booking extranet or email the approval of the refund to Citi XXXX. 6. The hotel staff doesnt use the booking extranet so they sent emails approving the cancellation and refund to two emails Citi XXXX provided, XXXX and XXXX, on XX/XX/23 and XX/XX/23. The hotel canceled the booking for me in their system but couldnt refund me as the money was with Citi XXXX. 7. XXXX I followed up with Citi XXXX until one agent called me on XX/XX/23 and acknowledged the receipt of the refund approval email from the hotel. Later another agent denied the claim and said Citi XXXX never received any approval, nor did the hotel respond to their emails/calls. 8. The hotel denied receiving any emails/calls from Citi. 9. Citi XXXX refused to validate the contact info of the hotel after I pointed out that the incorrect contact info might be on file. Citi XXXX insisted that they could only issue the refund after receiving approval from the hotel, to which the hotel has complied twice by sending emails. 10. As of XX/XX/23, I still havent received the refund. See the attachment uploaded for the full timeline and all supporting documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: {$450.00} prepaid annual membership fee was charged to a credit card that was already closed prior to the renewal date on my XX/XX/2023 statement. Citibank refuses to remove the charge and previously stated that it will be credited it back to my card after I pay it. They are requiring me to give them money I do not owe for services never provided, under threat of charging me addtional fees, interest, and ruining my credit if it is not paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90250
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A